Why Every Indian Car Owner Should Review Their Insurance before the Monsoon Hits

The monsoon season in India brings the much-needed relief from the heat. However, it also brings waterlogged roads, reduced visibility, and a higher risk of accidents and vehicle damage. This is the reason why reviewing your car insurance before the monsoon arrives is more than just a good idea.

This article will guide you through all the covers you should get for your car before the monsoon hits.

Car Insurance Covers To Get Before Monsoon

Owning a car comes with responsibilities, and as monsoon approaches, you need to make sure to check a few things in your insurance. Make sure your insurance has the following add-ons before it starts pouring cats and dogs:

1.     24-hour Roadside Assistance Cover

The rainy season increases the risk of road accidents due to poor visibility and slippery roads. Moreover, driving on flooded roads can also cause issues with a car’s engine. Thus, in case a car shuts down in the middle of the road, roadside assistance comes in very handy. This cover helps by providing assistance and services such as towing.

2.     Engine Protection Cover

Whether you are parking or driving your car, if water floods the roads, it can enter the car’s engine and damage it. Engine protection cover makes sure that insurers cover the repair/ replacement cost up to the limit specified in the add-on. This add-on protects the engine, differential assembly, gearbox, or related parts.

3.     Consumables Cover

Monsoon can also cause rusting of car parts at a faster rate. This can damage the neglected parts such as screws, bolts, nuts, and more. With a consumables cover, the cost of replacing these during the repair of a major part of the car is covered. This add-on provides additional coverage for oil filters, engine oil, lubricants, gearbox oil, bearings, distilled water, air conditioner gas, grease, and more items of similar nature.

4.     Zero Depreciation Cover

There is a fixed depreciation rate based on a car’s age. As per this rate, the depreciation cost is cut during the settlement of any car insurance claim. With a zero-depreciation add-on, you can receive a higher claim settlement amount as the depreciation cost is nullified. And as the rainy season demands more car repairs, getting this add-on can save you a lot.

5.     NCB Protection Cover

There is almost a 100% chance that during the monsoon, you might need to use your insurance. This can nullify your NCB, which gives you huge discounts while renewing your plan. Thus, with this NCB protection cover, you can still claim insurance on your car, and it will not let your NCB decrease.

6.     Electrical Accessories Cover

In the low visibility of monsoon, the use of headlights and wipers increases. This naturally also increases the chances of getting them damaged. As these accessories of a car are not generally covered under a comprehensive insurance policy, this add-on provides coverage for them.

Things to Take Care of Before and During the Monsoon Season

Whether you hold an ACKO policy or one from another provider, make sure your coverage includes necessary protection against common monsoon-related damages. So,the following are a few things to take care of your car before and during the monsoon season.

1.     Complete Maintenance of the Car

Before monsoon hits the streets, remember to take your car for regular maintenance. This will help you prepare your car for the coming weather and decrease the chances of you getting into any trouble during the rain.

2.     Getting New Tyres

Getting new tyres before the monsoon will provide you with a better grip on slippery roads and decrease the chances of any accidents.

3.     Frequent Engine Checks

Flooding is common in India during rainy seasons, and this can be very bad for your car’s engine. If water enters the engine of a car, it can cause a hydrostatic lock. So, getting your engine regularly checked for the prevention of water ingression is necessary.

4.     Maintenance of Windshield Wipers

Windshield wipers might be very redundant for the rest of the year, but during monsoon, they present their importance. So, always remember to maintain them and ensure they are working properly.

5.     Appropriate Covering for the Car’s Body

When not in use, remember to park your car in a safe space that is above ground level to prevent any flooding damage. Use good-quality car covers to protect the body of your car as well.

Bottom Line

The monsoon season can be brutal on your vehicle. So, always remember to review your car insurance before the season starts. It ensures your preparedness for whatever the weather throws your way. A quick policy check can make a huge difference when it matters most, as it will keep both your car and your finances protected.